IFSC Code of The Karanataka State Cooperative Apex Bank Limited, Jayanagar Market Complex Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Karanataka State Cooperative Apex Bank Limited, JAYANAGAR MARKET COMPLEX branch in BANGALORE. The 11-digit IFSC KSCB0001004 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Karanataka State Cooperative Apex Bank Limited at the JAYANAGAR MARKET COMPLEX location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Karanataka State Cooperative Apex Bank Limited – JAYANAGAR MARKET COMPLEX is KSCB0001004. The first four letters KSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001004 map to this branch in BANGALORE, KARNATAKA.

Bank profile

The Karanataka State Cooperative Apex Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Jayanagar Market Complex branch — IFSC KSCB0001004 — extends the bank's services to customers in and around Bangalore, Karnataka.

About this branch

The branch is located at 9TH MAIN,JAYANAGAR 4TH BLOCK,BANGALORE 560011. It serves the Bangalore region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Karanataka State Cooperative Apex Bank Limited. The IFSC KSCB0001004 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every The Karanataka State Cooperative Apex Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including JAYANAGAR MARKET COMPLEX of The Karanataka State Cooperative Apex Bank Limited — its own 11-character IFSC. The code KSCB0001004 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC KSCB0001004 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Jayanagar Market Complex branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KSCB0001004 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KSCB0001004

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC KSCB0001004 across all three.

NEFT to The Karanataka State Cooperative Apex Bank Limited, JAYANAGAR MARKET COMPLEX using IFSC KSCB0001004

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC KSCB0001004, and confirm that the system picks up The Karanataka State Cooperative Apex Bank Limited – JAYANAGAR MARKET COMPLEX. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KSCB0001004

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to The Karanataka State Cooperative Apex Bank Limited – JAYANAGAR MARKET COMPLEX, ensure your bank's portal accepts IFSC KSCB0001004 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Karanataka State Cooperative Apex Bank Limited – JAYANAGAR MARKET COMPLEX, use IMPS. With IFSC KSCB0001004 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KSCB0001004 for The Karanataka State Cooperative Apex Bank Limited – JAYANAGAR MARKET COMPLEX, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Jayanagar Market Complex branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC KSCB0001004

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at The Karanataka State Cooperative Apex Bank Limited – JAYANAGAR MARKET COMPLEX is still mapped to IFSC KSCB0001004. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC KSCB0001004 and the beneficiary's account number to complete the transfer.

Account types you can open at the Jayanagar Market Complex branch

Once you have an account at The Karanataka State Cooperative Apex Bank Limited – JAYANAGAR MARKET COMPLEX, the IFSC KSCB0001004 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Jayanagar Market Complex branch can access most of The Karanataka State Cooperative Apex Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC KSCB0001004

Online banking and IFSC KSCB0001004

The Karanataka State Cooperative Apex Bank Limited customers can register for net banking and the bank's official mobile app once their account at the JAYANAGAR MARKET COMPLEX branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC KSCB0001004 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Reaching the branch

The Jayanagar Market Complex branch sits at 9TH MAIN,JAYANAGAR 4TH BLOCK,BANGALORE 560011. If you are travelling from outside Bangalore, search for the branch on a maps application using the bank name and locality, or call 80-22976665 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC KSCB0001004 and your account number.

Common mistakes to avoid when using IFSC KSCB0001004

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Karanataka State Cooperative Apex Bank Limited – JAYANAGAR MARKET COMPLEX, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: KSCB0001004.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Working hours

Branch counters at Jayanagar Market Complex are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to KSCB0001004 continue to work without interruption.

Verifying IFSC KSCB0001004 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm KSCB0001004 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 80-22976665.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KSCB0001004 belongs to The Karanataka State Cooperative Apex Bank Limited's JAYANAGAR MARKET COMPLEX branch, located at 9TH MAIN,JAYANAGAR 4TH BLOCK,BANGALORE 560011 in BANGALORE, KARNATAKA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.